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Loans to Credit cards
I have a loan which im looking to put on a CC, if i do this is it classed as a BT or a purchase??
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Borrow more to finance short-term cashflow problems?
Trying to do the right thing, as I'm struggling with the min payment on one of my credit cards, I wrote to the bank, explained what and when I would be making the min payment for this month. I asked if it was possible for them to allow me to pay just the interest, which I can afford, for a period of 3 months. By which time…
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Self build house need help please
Hello Everyone, I'm not sure if this is the right forum but the house buying selling one didn't seem right and I know from reading the post the majority of DFW are up for anything:rolleyes: Myself and hubby are building our own house and at the mo are trying to draw up a list of all the materials we need ie 5700 blocks…
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Fair settlement figure?
Full SOA here: http://forums.moneysavingexpert.com/showthread.html?t=683067 My DB(oyfriend) had a credit card with Natwest, which subsequently got passed over to Triton for collection. It was on a repayment plan but he broke that by not paying on time. They sent him a text message earlier (oh, ain't technology great!) and…
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Credit checkers
Firstly, may I apologise if this is in the wrong section. Now the story, we purchased some items from PC World online last month and paid with a debit card. The goods were received and were fine. I have (due to the fact that the mortgage company sold my personal details) free access to Experion at the moment, and I had a…
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Hallam_Macca's DMP - Time to Get Sorted
Hi all. Think it's time I got my debts in order. I tried this around this time last year and found the site very useful but got sidetracked and advised getting a loan would be the best way to get straight. After a few failed attempts I'd given up hope of getting a loan and I had stopped using this site. Back to square one!…
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I want to Set Myself a Challenge But What....
Hello All, I want to set myself a different kind of money challenge but im not sure what to do. I was thinking £5 a day challenge and everything that I do not spend for that day I save for the next day? That works out around £150 a month to spend on odds and sods, ie. lunch etc. I think £5 a day is achieveable? Perhaps…
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In a money muddle
ok here i go, i have two credit cards. one with hsbc - grand total 2700 and mnbia or something like that lol for 1300 apprx, so thats approx total of 4000. can i be pointed in the best direction to put these two debts together ans start to pay it off?? should i do a bank loan? or what would be the best card solution! Thanks
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£23,00 in debt
After some thoughts of encouragment. Had one of those weekends, when everything feels like its 'huge' and no sunshine will ever appear. Where £23,000 in debt and due to start a DMP on the 22nd Jan. Thing is i look at how much our debt is and then look at the work our house needs and just cry. We bought the house a year ago…
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Not getting into more debt wannabe
I don't know if this is the right thread so someone please move it if needs be. Basically up until September last year we were managing fine with all our bills and debts, that is until my husband lost his job. Luckily he had savings but now those have all been used up and despite him applying for every job he can he…
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Congratulations PAP!
PAP has just announced in the daily spend thread she has passed her Driving Test so a huge congratulations to her. Way to go PAP. :beer: :j
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DD Learning How To Use Spreadsheet and Manage Money in School
DD came home yesterday and said they have been learning how to use spreadsheets to work out what they spend and how much money they have left each month etc. They were given an imaginary £250 salary to start with and had to add things they purchased that month to it, then to find out what they had left at the end of the…
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Help!! I need advice about Welcome Finance
I have just spoken to Welcome about voluntary termination of my car. The minimum half term amount is £5160. I have paid £3503 so I thought I owed £1606 and was going to use some money I have been left to get rid of this debt as I am desperate to reduce my monthly outgoings ( I pay 236 a month for my heap of scrap!! Having…
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I am tired of this
Thankfully this last month I have managed to save a few quid. Because today DH has not been paid, that means I can not pay any bills mortgage or council tax. Basically when DH changed his bank details for his salary he gave the payroll dep the wrong details. This has totally mucked up my day, I am on a very intense college…
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amazon - which figure
Hi folks Sorry, but just ordered a really good book on amazon at a great price. Also through in another one, but not sure which price I have to confirm on the final shopping basket figure. one states: amazon. co.uk order summary @ £11.33 and the other amazon. co. uk . marketplace order summary @ £20.39 Don't want to click…
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How to reduce shopping bill please?
I have decided that my weekly shopping bill needs to improve and are looking for some advice???? Family of 4, 2 adults and 2 children ages 13 and 10. My weekly shopping bill can be £100-£120.00 I have to make packed lunches for everyone everyday, and then there are evening meals, snacks and household groceries. I am trying…
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CCA query
Hi All I know that there have been a few posts on here re asking for your cca agreement from creditors but I got a bit befuddled trying to trawl through them! We have numerous loans and credit cards which we are in the process of paying off through CCCS and some of these have been transferred to debt collection agencies.…
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Help we're sinking....fast
I really don't know where to start, sorry to sound so vague. I have been married to my husband for over 20 yrs and have always been left flabbergasted at his attitude towards money. To cut an extremely long story short, he has many credit cards that he has had difficulty paying off for years. In December he was taken to…
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Selling your unwanted bits and bobs....
Hi all! Other than Ebay and Amazon, is there anywhere else I can sell my bits that I no longer want/need in order to raise extra wonga? I've been a naughty girl and ebay kicked me off so I cant sell there - didn't like them anyway! :p Thanks!
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Advice for my Debt please :-(
Hi all. I'm just about to buy a property and have a little debt I would like to consolidate. Below are my details. Debt: YB Visa - £1500 Nationwide Loan - £1300 Completion Fee on Property (bill) - £3000 Resources: Virgin CC 0% BT - £4000 Limit Cash - £2000 I wish to free up £2000 though for furniture for my new house and…